Side-by-side · Q2 2026 data
Michigan State University Federal Credit Union vs Genisys Credit Union
Credit union
Michigan State University Federal Credit Union
East Lansing, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Michigan State University Federal Credit Union | Genisys Credit Union |
|---|---|---|
| TellerScore | 51 | 81 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 59 | 64 (stronger) |
| Earnings | 32 | 88 (stronger) |
| Funding & liquidity | 65 (stronger) | 61 |
| Problem-loan coverage | 78 | 87 (stronger) |
| Peer percentile | 7th | 89th |
| Total assets | $8.9B | $6.6B |
| Deposits / shares | $7.3B | $5.5B |
| Capital ratio | 8.96% | 15.47% (stronger) |
| Problem loans | 1.24% | 1.09% (stronger) |
| Net charge-offs | 0.78% | 0.59% (stronger) |
| Return on assets | 0.31% | 1.70% (stronger) |
| Loans ÷ deposits | 95.2% (stronger) | 98.9% |
| Uninsured deposits | 14.8% | 8.4% (stronger) |
| Offices | 6 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.6% | 18.7% |
Genisys Credit Union has the higher TellerScore (81 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Michigan State University Federal Credit Union leads on 1 and Genisys Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.